no wiser than the fool i was before-lyns' debt diary!

lynsayjane

bog off the lot of you! glad I didn't tell you that mr bean's teddy bear is also in my bed, dread to think of what you'd have made of that....oops! :rotfl:


winkle, I don't really follow any diet like weight watchers etc I just try and eat the best types of food for the kind and amount of exercise I do, ie plenty protein, little fat, lots of fruit an veg... the best thing about my job is the range of advice I can get, I thought I was doing well with my diet and wondered why I wasn't losing weight, turns out I wasn't eating enough!!! My body had gone into starvation mode and was keeping everything I put in it, and before you all start worrying I was eating three meals a day, no actually starving myself! But it seems that 5-6 small meals through the day is ideal for losing weight...

right now though I dunno if I'm gonna get time to eat, last night I didn't have the energy to cook and today I don't have the time for the batch cooking, am hoping to go into work a bit early and redo the rota to give me my weekend off!

LookingAhead

Tee hee at Mins sheep remark.

LJ, really glad you've had that good advice about your diet. I read years ago about the body going into starvation mode and just to cut back on fat, increase the carbs & protein and glad to say that since I was 20 (now 36...nearly, gulp) I've stayed quite stable in the weight department.

Faddy schmaddy diets, pah.

PS But I do need to get more exercise cos things ain't as firm as they were :eek: LOL

lynsayjane

thought since it's been a wee while since I updated here with any kind of financial information I aught to do a quick note! My only debt cc is now sitting at £1855.90, my od is currently at £250 limit (to accomodate two mortgage payments in one month).

My bill for my spends card came in at £250 which is inclusive of my trip to york so I'm quite happy with that. I've got about half that left from my last months wages so my plan is to get another £200 on my overdraft to pay it off in full.

The good news is that I get paid on the 30th (cc due on 5th) so I'll only be a few days before I cancel the od and hopefully clear it totally! fingers crossed! If I can manage that it'll take my total debt below the £2k mark which is about half of what I had when I joined here six months ago. I'm really really pleased with that. at time it can feel like I'm not getting anywhere but knowing that in a couple of weeks I may only have one debt left from four feels really good. :A

I've got £50 on quidco which will be winging it's way ot me at the end of the month and hopefully my £115 from pru health will join it in time for the march payment too! that'll be a nice bonus and cover yesterdays little shopping spree.

As for my personal life, pah! I'm listening to the fratellis' whistle for the choir and the line that really sinks in is,
'I must confess my hearts in broken peices and my heads a mess'
actually the whole song is great! It's my new fav and gonna be on repeat while I do my cleaning today. It was the one year anniversary on the 16th of my split with my last bf. In that time two differnt guys have made me cry more than once and two others have hurt me a little. Not one has treated me with respect or cared for me. I dont know what it is about me that I cant find a nice guy but hey, I guess it's all a learning experience isn't it?

I've been trying to think of all the positive things I've done in the past year. Managing my finances so I can live alone, getting a job I love (mostly), cutting my debt down so much... but mostly I keep thinking of how lonely I've become. I'm surrounded by more people than ever and everywhere I go I meet folk I know, mostly from the gym, but very few of them actually know me and next to none of those know how I feel right now. Im glad I went out with the friend I did last night, we haven't seen each other very regularly for a long time and she's having a bit of a bad time so we've made plans to do more things. I'm going to hers next weekend for dvd's, we spoke about a weekend in edinburgh to visit mutual friends and when I told her I was getting out of debt to go on hols in october by myself she said she'd come as her oh doesn't like holidays :j so hopefully things will turn around a bit.

I need to fix my life up, it's been falling to peices recently and yesterday was the final straw, the good news is now from here the only way I can go is up, and thats just what I intend to do! At least now there are answers if not closure and I can move on! So today I'm spending the day cleaning the house, once I can get myself off the chair and off of here!!! Then I'm gonna do my food shop and batch cook before jack tonight, poor guy needs a good feed to help save the world but mostly I'm going to get back on the wagon as regards money/gym/flat and all the things I've ignored for so long now.

Some things a girl can do little to fix, others she can do heaps, so I'm going to take a bit of time to fix those I can and stay strong to get past the things I can't. David may just be the latest man in a line to break my heart, but he won't take my life from me.

LookingAhead

Hi LJ...just popping back on the DFW board before heading off to Sainsburys.

Wow, nearly below the 2k debt mark, that's fab. I can't wait to be that low! Good luck for the final few furlongs then, I'm sure with your determined outlook and some firm action you'll be debt free very soon.

Spooky that your anniversary split date was 16th March...so is mine from my past 9 year relationship!

I'm so glad he & I split up but it still makes me ponder on things when the anniversary rolls around....

I'm sorry the guys in between then & now have made you cry and that things haven't worked out. It may sound like a cliché you have heard a billion times before but, it's true, they're not worth it if they've messed you about and upset you.

You carry on planning things for you and getting your life in other departments (not the romance department) sorted out and take in as much as the World can show you...as you say, look for the positives, count your blessings every day and don't go out hunting for Mr Right (let him find you!) and I am concentrate on making your life as fun as possible.

One day you'll be up to your elbows in dirty nappies LJ, and you'll look back and think "Oh for a few nights out as a single woman stumbling back to my flat!"

Hugs to you hon.

LA xx

slowlyfading

I like that song and you're doing really well, dont you forget that.
Nicola x

lynsayjane

LookingAhead wrote: »

One day you'll be up to your elbows in dirty nappies LJ,

I know I'm not quite as kim and aggie as you are but even I wouldn't let the nappies build up like that :rotfl:

That is spooky with the 16th march, just another thing we have in common! Another spooky thing on that tho is my ex was a builder and works/worked for a particular company and on the day I kept seeing their vans in town, the same one passing me three times on my way to work! I know it wasn't his van (I've seen enough of them to know who drives what) but it was really creepy.

Oh and as far as the sub 2k thing, remember I was only about the 4K mark when I started, to be honest I could have done so much more, but I let myself have too many treats and too much of a life! but at my level of debt a few nights out and new clothes only sets me back a month or so which I feel is an acceptable trade off, especially as i'm all on 0%.

LookingAhead

LOL, not sure I am Kim & Aggie either really, I bet they'd have a field day in certain parts of the house!

I think you are right about having a life whilst being at 0% If I was I would have done the same.

Woah spooky re the vans on 16th! :eek:

Anyway being harassed to get my butt to the supermarket now so gotta go.

I'll catch you later!

lynsayjane

lets start today with some good news...or should I leave it to the end...ok we'll take it in order (like keeping folk in suspense!)

it's been a good day today, walked to work over sheets of ice at 5.30 this morning and there were no panic attacks :j how good did I feel (long story but I have a phobia of falling over in ice/slush etc). work was totally dead due to the high numbers of folk not being bothered to go out in the snow showers (sooo know the feeling too!) and I only did half an hour overtime.

came home and shouted at random foreign telephone answering man ( I don't even know what the term is), am guessing sky find it cheaper to work form dheli... skycard man was in the uk and a little more helpful, but the prize for most helpful phone answering man goes to mike from liverpool (not mcb, I checked ) who was lovely and helpful and since he was the only one I don't send money to I was quite surprised!

A troublesome ex decided that this week was the best time to get back in touch and on finding out about my broken heart appeared on the doorstep being very kind and caring which threw me totally as I do not want to gt involved there again...but right now I need nice men around me so I don't give up hope totally...he was the third man to make me cry today by being nice, have to stop that or the man who packs my bag in asda might get the waterworks :rotfl:

then I went ot college where apart form waiting two and a half hours to spend ten minutes with my horrible tutor, I got my exam results back...












and I'm not telling you what I got, yet...























but I'll tell you now...












high C which is a pass and I'm very happy with that. I know where I lost marks and what to work on and as there is only 7 weeks till the final exam I'm actually going to do my best to find time to do work, it'll be easier once the other full time receptionist gets back from hols next week. :j

I did spend today but not a huge amount and I got bogof pizza vouchers for domino's which I'll use one of on friday at a friends so we can have a large pizza each for only a £5! happy with that one like! lol

Now I'm just gonna get ready for tomorrow and be in bed by 11 as I'm up at 5 again tomo :eek: but there are only three more mornings before the weekend :j

Hope your all well xx

LookingAhead

Congrats on the pass LJ! :T

Sleep well sweetie and well done for no panic attacks either....on the ice *or* with ex BF!

lynsayjane

cheers guys It's not the best of pass marks but considering I did no work etc for it I'm happy that I passed.

as for the ex, I have weird thoughts on that, I know I'll never be happy in that situation (long story and I'm not going into it here, min I *think* I told you about this...will catch up later) but things have changed somewhat and today he was so nice which is a whole other side that I'm seeing, I think I want to keep a friendly thing if this change stays, I dunno and I think I'm too confused right now to make any decisions, luckily he's not pushing me into any...:eek:

you guys reckon I'd get bored with a simple life???